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If you’re in your 20s & 30s, here are some ideal investments

It struck me that I have peers who are struggling and confused about how and what to invest in while young, in order to ensure financial security at old age. So, I wrote this article…



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I wrote this for myself as a guide to ensure that I follow the steps below. But then it struck me that I have peers who are also struggling and confused about how and what to invest in while young, in order to ensure financial security at old age.

So I decided to share. Below are some ideal investments to consider when you are in your 20s and 30s.

Invest in Yourself

  1. Reduce watching TV/News: The news doesn’t change — government borrowing, election manipulation, killings, wars, underperforming economy, celebrity gossip, and the list goes on and on. All these do not make me knowledgeable.

When you reduce TV and watching news, you become less anxious and less stressed.

2. Cut down on social media: The average person touches his phone more than 100 times a day, due to addiction to Whatsapp messages, facebook, Twitter, etc. Half of that time would have been better spent reading books, creating art or something productive.

  • Read fiction and non-fiction every day.
  • Reduce alcohol and limit sugar.
  • Eat twice a day.
  • Avoid gossip.
  • Sleep an hour earlier and wake up an hour earlier.

A salary is the first major source of savings and investments, so you must nurture that source properly to help jumpstart you into other avenues for enriching yourself.

Whatever career you are in, develop more skills, and take more courses. Some of these courses are offered online at cheap prices. If you are an employee, consider taking a professional certification exam.

Google people at the pinnacle of your field and research what made them get to the top. It could be their negotiation, management, psychological, or impeccable writing skills.

Investing in yourself is the most important decision you will make, as the more skills you have, the more ideas you have to aid creativity, and end up as money making and/or value adding machines.

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Two quotes by Ray Dalio have stuck with me:

  1. “Do not let your income rise faster than your productivity, because you’ll eventually become uncompetitive.”
  2. “Do all that you can to raise your productivity, because in the long run, that’s what matters the most.”

To be honest, sometimes I break the rules listed above, but I notice that I have been most productive when I follow these rules.

Exchange Traded Funds (ETFs)

Majority of individual investors will not make money investing in the stock market due to 2 major reasons:

  • Not everyone has the wherewithal and resources to research and analyze the market properly.
  • It is difficult to time the market – knowing the right time to buy or sell.

Why Exchange Traded Funds? An ETF is simply a security that tracks an index and trades like an individual share on an exchange. It is a fund that includes the collection of assets, e.g. stocks, bonds, gold, etc.

Investing in an ETF presents you with the opportunity to buy a selection of assets you may prefer instead of picking those assets individually.

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For example, if Mr A has dreams of investing in companies like Google, Exxon Mobil, and Apple, but doesn’t have the money to invest individually in any of these stocks due to the high share prices they command, he can simply buy an S&P 500 ETF that tracks all these companies. If any of these companies don’t perform in a particular period, you still have hundreds of others which can balance out the risk of the total portfolio.

There are several thousands of ETFs globally; some invest according to geographic locations – ETFs that track the biggest companies in USA, China, etc.; ETFs that invest in a mix of stocks and bonds; ETFs that invest in gold, etc.

Two major advantages which ETFs offer are: an opportunity to diversify your portfolio and low costs of investing.

Most experienced investors recommend that you continually invest a small amount of money consistently over a number of years.

You can invest in ETFs available on the Nigerian Stock Exchange, or better still, diversify your portfolio by investing outside the shores. I have previously written on how to make money investing in foreign stock markets.

Treasury Bills

Treasury Bills are very important and necessary investments for every type of investor, and there is no better time to cultivate the habit of buying Treasury Bills regularly than when you are in your 20s and 30s.

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Treasury Bills are short-term government guaranteed debt instruments issued by CBN on their behalf to finance expenditure and also control money supply. There are 3 tenors:  91 days, 182 days and 364 days.

We all have bills to pay (professional exams coming up in a few months, children’s school fees, weddings, vacations, etc.) and you can invest the present cash you have in Tbills, depending on the period when you will need the money.

There is a concept in finance called Asset and Liability Matching (ALM), which basically involves buying an asset (in this case Treasury Bills) in order to be able pay off a future liability (what you need your money for in the future).

Some advantages of Treasury Bills are:


They offer decent interest rates, so you get to make money.

They are risk-free, which means your principal is guaranteed, as it is backed by the full faith and credit of the Federal Government.

Growth stocks & dividend stocks

Being in your 20s and 30s is an opportunity to make risky bets, because if you lose your money at this stage you still have time to recover. Investing in stocks offers a good avenue to put part of your money into a high risk-high reward venture.

Growth stocks are simply stocks that are expected to grow at significantly higher rates than the industry average. These stocks generate more sustainable positive cash flows and revenues than their peers.

I wrote this article on how to spot growth stocks in the Nigerian stock market.  

Dividend stocks, on the other hand, are usually stocks of companies that are financially stable and mature, which means the share prices are less volatile than growth stocks.

Dividend stocks should be included in your portfolio at a young age as they provide opportunities to earn income (no matter how little) consistently over a long period of time, provided the companies keep performing well.


If you have the talent and passion for something, you can start now. It doesn’t mean you have to quit your job immediately; you can maintain your day job while you work gradually on your business idea.

The thing about starting a business is that the rewards are huge; if successful, you get to reap huge financial rewards whilst having the freedom and control over your own time.

You have nothing to lose starting a business at this age:

  • The business performs well and you make money
  • The business fails and you gain lessons on what to avoid in your next venture.

I wish you all the best in your investing endeavours.



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          In a hyperinflation economy like Nigeria’s, these are the best investments to consider immediately

          A deeper review of investments to consider amid the prevailing high inflation in Nigeria.



          Where to buy Real Estate in Lagos in 2021, Nigeria's Real Estate Sector recorded positive growth after three year low, Real estate: Declining credit reflects underlying weakness 

          Let’s face it, Nigeria’s rising inflation plus lower options for high yielding investments are already driving a significant number of investors away from Africa’s leading frontier market. This is coming at a time when Nigeria’s top performing investment asset class for 2020 is currently having a year-to-date return of around -3.30%.

          Recent data published by the National Bureau of Statistics (NBS) reveals Nigerian inflation rate surged to a 33-month high, as it rose further to 16.47% in January 2021 from 15.75% in December 2020. This is marks 17th consecutive month of rising inflation in the country.

          Consequently, Nairametrics interviewed selected financial experts on the investment options best suitable for such macro.

          That being said, it’s important to note that there are no guarantees when it comes to investing during high inflation. At best, such investments may be inflation-safe, but returns can never be guaranteed.

          READ: The Nigerian economy is increasingly dollarized but there is a way-out

          Debo Adejana, MD/CEO, Realty Point Limited, Chairman, REDAN South West Zone.

          At 16.5% inflation rate as of January 2021, the obvious is that there are very little short-term investments that can outperform that especially in the short term. So, that being said, my traditional conservative disposition of the fact that the best investment term is the long-term.

          To make returns that will consistently be higher than 16.5% in short term investments will require very good knowledge of the asset class and share dedication.

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          If that is clear, then by my own understanding, the following are some of the possible investment areas or strategies to adopt with real estate being my most preferred asset class anytime:

          1. Financial player in a JV Property Development Scheme. This helps to save time and gives faster turnover of investment fund.
          2. Buying distressed property now, renovate, rent-out for 2years of more just to hold if necessary and sell after.
          3. Crowd owning/funding property deals
          4. Guaranteed rent discounting
          5. International property investment for positive cash flow and to enjoy foreign exchange appreciation

          All the above can be done as a large ticket investor or little fractional holder using a well-structured and regulated vehicle.

          READ: Real estate sector GDP positive in Q4 2020, but still in the woods

          Darlington-Morsi Onyemaka, Co-founder, Quba Exchange

          Inflation means that prices for things are rising, and as such the same amount of money buys less over a certain period of time. This in itself is especially not good for cash savings as the best way to manage inflation is by investing in instruments that give you a return higher than the current rate of inflation or at least one that keeps up with it.

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          The best kinds of assets to invest in during inflation are tangible assets that have fundamental values and as such, their worth measures up together with inflation. These assets include real estate, growth stocks, and commodities like food, crude oil, and gold (especially gold).

          On the flip side, one should avoid long-term fixed-income investments. This is because the value of the underlying security falls as investors tend to focus on higher-yielding alternatives when the interest rates of that instrument start rising.

          READ: FG says Finance Bill 2020 will check inflation

          Thelma Ugonna Ohiri-Anyanwu, CFA

          Inflation is the increase in prices of goods over a period of time, where a specific amount of currency will be able to buy less than before.

          In as much as inflation erodes the value of funds, this should not deter one from investing as some investment’s types are great hedge against inflation and helps to preserve capital. Some of such investments are Gold, REITs, real estate, commodities and a well-balanced stock portfolio.

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          Silas OZOYA, Founder/CEO SUBA Capital

          Inflation in many ways affect the general health of a countries economy and her citizens literally and the only way out of inflation is continuous and increased investments in local production, expansion of existing local businesses and enacting fiscal policies that would strengthen the currency of such country.

          To mitigate this, increased and persistent investment from all angles in Agriculture, local processing, and increased export would do a positive dent on our inflation rate and keep us far away from recession through job creation, wealth growth, food, and cash crop production at scale.

          Nigerian’s home and abroad should consider investments that support economic growth through investments in Agriculture and agro-allied ventures.


          Agriculture from my experience is one of the very few sectors that puts food on the table, employs people, and grows the value of your money against inflation all in one value chain.

          The general public, high net worth individuals, and Nigerians abroad should consider holding at least 20% of their asset portfolio in Agriculture and agro-allied investments.

          Angela Aya, Head, Institutional Sales at Alonati

          There are a lot of investment opportunities for both the wealthy and not so rich investors in Nigeria, investors desiring to get an income or return on investment. Some are the FGN Savings Bonds, Stocks, Real Estate, Gold, Cryptocurrency, Agriculture etc. However, below are some investments that offer inflation protection:

          Real Estate

          Investment in real estate has been profitable and remains lucrative especially in Nigerian urban cities.

          This investment however requires medium to high capital. Nigeria is still a developing Country in the world and the need for housing to match the Country’s increasing population size remains critical, as urban-rural migration continues to increase due to the neglect of development of the rural areas by the States and Federal Government.

          The value of land and property has continued to rise and will continue to appreciate due to the margin between demand and supply as the need for residential and commercial buildings in major cities remains high.


          Investing in gold has remained an agelong golden income space. The value of gold has continued to appreciate over the years because of the importance attached to it all around the world.

          Gold remains an important symbol of wealth and affluence, and can be purchased as bars, coins or jewelries and resold at a higher price over time.

          Bottom line

          A disciplined investor can hedge against inflation risks by investing in the following asset classes that often outperform during high inflationary climates.

          • Debo Adejina – Real Estate,
          • Darlington-Morsi Onyemaka – real estate, growth stocks, and commodities like food, crude oil, and gold (especially gold).
          • Thelma Ugonna Ohiri-Anyanwu, CFA – Gold, REITs, real estate, commodities and a well-balanced stock portfolio.
          • Silas OZOYA – Agriculture and agro-allied ventures.
          • Angela Aya – Real Estate & Gold.

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          Investment Tips

          Retail franchise investment next gold mine for Nigerian investors- CIG

          Retail franchise investment curbs unemployment  and create buffer for people looking for side hustle



          The Choice International Group (CIG) has tasked both unemployed and employed Nigerians to embrace retail franchise investment, as the initiative would curb unemployment in the nation  and create buffer for people looking for side hustle.

          In line with a recent FBDS Study, there are over 450,000 Nigerian career professionals with minimum investible funds of N1 million, looking out for investment opportunities.

          In the majority, these funds are looking for franchise type opportunities for ease of venturing and minimal failure risk.

          As far as CIG chairperson, Diana Chen, is concerned, such investor should look no further but consider the group’s retail franchise investment opportunity, which offers Nigerian community mouth-watering offer of owning Gree & Lontor retail stores.

          According to him, Gree is the world’s residential air-conditioner manufacturer, while Lontor provides high-quality, energy-saving and convenient rechargeable home appliances and lighting products for global consumers.

          He said, “Both brands have been built by the CIG into a world-class electronic retail chain in Nigeria opening no less than 20 brand shops in Lagos and Oyo over the last 18 months.

          “The sales performance of its existing stores in the country makes Gree & Lontor one of the most profitable businesses in Nigeria with yields of an average return on investment of 50% and above per annum.

          “CIG is offering investors the opportunity to own any of six regional logistics centres, or any number of Gree & Lontor brand shops in viable locations across Nigeria.

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          “It is the decision of the company to open up these opportunities to the investing public through a Franchise Retail partnership.”


          He added that the company has mapped out two investment models it says are simple, transparent, and hassle-free.

          “The first model involves only six regional logistics centres located across the geopolitical zones in Nigeria.

          “Whoever invests in this will require a capital outlay of $1 million, and become a mega distributor partner of the Gree & Lontor brand, and service a network of brand shops.

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          “The second investment model involves the Gree & Lontor brand shops – retail franchise stores that require an initial capital outlay of N20 million.

          “The investor will secure a store size of 120-150sqm at any choice location, shopping mall, plazas, high streets and even residential neighbourhoods.”

          What they are saying

          Nigeria is a growth market for franchising and franchise development services.

          Gbenga Ajayi, an Entrepreneurship analyst, said, “The retail industry comes second to the food industry among sectors with best franchising opportunities.

          “As with other emerging markets, one of the challenges of franchising in Nigeria remains the strengthening of intellectual-property regimes so that franchise companies can transmit knowledge and franchise system concepts with the confidence that such know-how will be protected.

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